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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,201 | $25,014-87.2% | $69,632-95.4% | $80,959-96.0% |
| Participation rate | 79.2% | 64.2%+15.0pp | 66.4%+12.8pp | 67.7%+11.6pp |
| Annual return | 16.88% | 19.08%-2.2pp | 101.32%-84.4pp | 35.67%-18.8pp |
| Employer contribution / active EE | $572 | $991-42.3% | $1,708-66.5% | $2,757-79.3% |
| Participant deferral / active EE | $1,646 | $1,840-10.5% | $2,889-43.0% | $4,300-61.7% |
| Admin fee / account holder | $1,725 | $2,491-30.8% | $4,695-63.3% | $6,925-75.1% |